People who have sustained serious injuries or medical conditions may reach a point where they realize that their ailments prevent them from returning to work. Because they are not able to receive a steady source of income from their job, this will have a significant negative impact on them and their families. In order to help them cope with the financial loss, those injured in work-related accidents will apply for long term disability benefits. More often than we would like to believe, insurance companies deny benefits to those who genuinely qualify for them. If your insurance company has denied you long term disability benefits, please read on, then contact one of our experienced long term disability appeal attorneys to learn how we can help you.
What happens if you have been denied long term disability benefits?
Thankfully, being denied long term disability benefits by your insurance company is not necessarily the end of the road. However, you will have to act quickly. One of our skilled long term disability insurance attorneys will only have 180 days from the date of your denial to appeal the decision. Through your appeal, you will need to prove that your denial for long term disability benefits was wrongful and that you do, in fact, qualify for them. To prove your case, you and/or your attorney should provide the following forms of evidence:
- Medical records
- Doctor’s notes supporting your claim that you qualify
- Statements from medical or vocational experts testifying that you can’t return to work
With 180 days, your attorney will file a formal administrative appeal containing this evidence to reverse your denial.
What happens if your long term disability benefits appeal is still denied?
In the event that your long term disability benefits continue to be denied, you are not without recourse. Should it prove necessary, your qualified legal representative can take your case to trial and fight your insurance company in court. It should be said that more often than not, this should not be necessary, but if it should, our firm has seasoned trial attorneys who can and will fight on your behalf for the benefits you deserve.
This process may sound daunting or time-consuming, in which case you should reach out to our firm. We will make sure that you are fully apprised of your rights and responsibilities so that you can make informed decisions. Do not go it alone. Please give us a call today.
Contact our experienced nationwide firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, speak with our nationwide LTD attorneys today. Our firm has significant experience helping people just like you obtain or defend their long term disability benefits. Contact Walker & Hern for a free consultation.